Harvard Business Review

SEPTEMBER 16, 2014

In the past, a community bank would have a relationship with the businesses on Main Street, and when it came time for a loan, there would be a wealth of informal information to augment the loan application. And they are allowing new sources of capital such as peer-to-peer lending to replace traditional bank capital.

Credit Scoring 9

Credit Scoring Banking Dunning Metrics 9

Harvard Business Review

SEPTEMBER 16, 2014

In the past, a community bank would have a relationship with the businesses on Main Street, and when it came time for a loan, there would be a wealth of informal information to augment the loan application. And they are allowing new sources of capital such as peer-to-peer lending to replace traditional bank capital.

Credit Scoring 8

Credit Scoring Banking Dunning Metrics 8

Harvard Business Review

NOVEMBER 7, 2011

This blog was written with Jay Terwilliger and Mark Sebell, managing partners at Creative Realities , a Boston-based innovation management collaborative. But did you ever see it as the central metaphor for what truly innovative organizations must do? So, we shelved the idea.

CEO 12

CEO Net Present Value Banking Metrics 12

Harvard Business Review

OCTOBER 25, 2018

To analyze the superstar dynamics of firms, our metric was economic profit, a measure of a firm’s profit above and beyond opportunity cost. (To The top 10% of the firms we analyzed — the superstars by our metric — create 80% of all the economic value, meaning they account for 80% of economic profits.

Industry 11

Industry Company GDP Bottom-up 11

Harvard Business Review

AUGUST 22, 2011

By working 70-80 hours a week, taking business courses at night, and doggedly pursuing a jump to the professional track, I finally got a break, and moved into investment banking. Or as thought leader Jennifer Sertl writes, "innovation ultimately begins on the inside.". The term "disruptive innovation" has become an industry buzzword.

Disruptive Innovation 16

Disruptive Innovation Christensen Metrics Innovation 16

Harvard Business Review

JULY 1, 2016

At a time when digital technology is transforming one industry after another, large companies tend to view innovation and disruption as the result of breakthrough discoveries or technological wonders. Examples such as WhatsApp demonstrate that real-world innovation, in many ways, looks like an assembly line.

Technology 10

Technology Productivity Products Business Model 10

Harvard Business Review

JUNE 8, 2018

The market caps of just four companies, Apple, Alphabet, Amazon, and Microsoft, now exceed $3 trillion. Their combined assets of $944 billion are an order of magnitude lower than the combined assets of $7,700 billion of the largest 3,177 companies in 1986, when the aggregate market capitalization reached $3 trillion for the first time.

Report 8

Report GAAP Net Present Value CFO 8

Harvard Business Review

JULY 4, 2018

Chun Hin is a senior manager at a Hong Kong investment bank. Over the years, we have found, again and again, that a country’s English proficiency correlates closely with metrics of innovation and overall economic well-being. yagi studio/Getty Images. This research has helped us map global trends in English learning.

How To 15

How To Meyer Education Learning-by-Doing 15

Harvard Business Review

AUGUST 5, 2014

Instead, the last few years have seen a proliferation of C-suite titles that include a component of marketing. This diversity reflects not only a deepening understanding of the connection between growth and customer satisfaction, but a much greater awareness of what marketing can do to help forge that bond.

P&L 9

P&L Banking Marketing Call Center 9

Harvard Business Review

JANUARY 26, 2012

ANZ Bank offers an example: a decade ago, the bank embarked on an effort described as a "unique plan of eschewing traditional growth strategies and recasting the culture of the bank to lift efficiency and earnings." Step 1: Establish a common understanding of culture and metrics for it.

Banking 15

Banking Competitive Advantage Incentives Metrics 15

Harvard Business Review

OCTOBER 21, 2013

But marketers are only now connecting data from loyalty programs in physical stores with data not only about how the same customers behave on the company’s website, but also how the same or similar customers anywhere in the world behave on other websites – ranging from news sites to car sites to movies sites – all tracked using cookies.

Credit Scoring 9

Credit Scoring Diversity Retail Media 9

Harvard Business Review

OCTOBER 8, 2014

Recognize that innovation requires failure. In a world where competitive advantage is increasingly short-lived, as Columbia Business School professor Rita Gunther McGrath has described , successful companies have to bake innovation into their standard processes. Here’s how to leverage that setback into even greater success.

Ries 12

Ries Open-book Competitive Advantage Education 12

Harvard Business Review

JULY 24, 2015

Fortunately for open innovation, the online environment makes it easy to overcome this problem. We applied it to an idea forum for a fictional company trying to develop a better mobile-banking application. In other words, less interaction meant more innovation. (We

Participative 8

Participative Software Innovation Diversity 8

Harvard Business Review

NOVEMBER 25, 2013

What happens to innovation and segmentation when serious organizations are challenged to assimilate and integrate 10X, 100X or 1000X more information about customers, clients, prospects and leads? That’s not good because Big Data promises to redefine the fundamentals of the 80/20 rule.

Due Diligence 11

Due Diligence KPI Loyalty Information Technology 11

Harvard Business Review

OCTOBER 10, 2017

Every step of the process was measured, and real-time metrics were easily accessible. Adaptive performance manifests as creativity, problem solving, grit, innovation, and citizenship. In an experiment, we approached the call center of a bank’s consumer loans business. (We’ve Metrics emphasized speed.

Organization 11

Organization Tactics Call Center Metrics 11

Harvard Business Review

SEPTEMBER 13, 2012

An impatient marketing or finance manager would, on the sly, secure some extra budget money and hire a contractor to build a little database that tracked mailing addresses or top-line financials. Finally, even large projects can be broken up into what a banking client of mine calls "human bites." IT as Process Creator.

Supply Chain 15

Supply Chain CIO Budgeting Project 15

Harvard Business Review

APRIL 8, 2015

Their innovation efforts tend to be focused wholly on the creation of new value; meanwhile, the question of how exactly they will be compensated for it usually goes unexamined. Growth: A TV cable company offers special subscription plans for new customers, aiming to achieve a strong market position within 24 months. Why is it that?

Balanced Scorecard 8

Balanced Scorecard Company Price KPI 8

Harvard Business Review

DECEMBER 22, 2010

The Nike Foundation also leans on its expertise in innovation and scale to find solutions to poverty, while keeping its operations separate from the business. To do this, Goldman used its competencies in understanding markets, convening needed expertise and business networks. Early results are encouraging.

Core Competence 15

Core Competence Market Segmentation Globalization Reputation 15

Harvard Business Review

JANUARY 18, 2016

The prospect of urban innovation excites the imagination. The messy truth is that cities are not the same, and even the most innovative approach can never achieve universal impact. The opportunities to innovate will differ greatly by segment. Yelp, Zillow, and Trip Advisor are examples of innovations in this context.

Real Estate 8

Real Estate Entrepreneur Finance Innovation 8

Leading Blog

APRIL 5, 2019

Our instinct for determinism may well have been an evolutionary innovation. After graduating from the University of Oxford with a physics degree, he went into securities trading, first at Yamaichi International and then at the Bank of America. To survive, we had to make snap judgments about the world and our response to it.

Uncertainty 309

Uncertainty Sports Credit Rating Learning-by-Doing 309

Harvard Business Review

JANUARY 12, 2017

The best business decisions are never ones of strategy, sales, or marketing. Within a year, the center I managed was in the top 5% based on several performance metrics. Do it wrong, and the needle will start trending toward “empty” … as will your company’s bank account. At least not directly.

Content 8

Content Engineering Education Metrics 8

Harvard Business Review

MAY 23, 2012

bank observed that his organization had "a cultural indisposition to challenge" and that the task of "being a risk and compliance manager.felt a bit like being a man in a rowing boat trying to slow down an oil tanker.". First, CEO Jamie Dimon was widely acknowledged as the "ultimate chief risk officer of the bank."

Risk Management 9

Risk Management CIO Management Banking 9

Harvard Business Review

MAY 7, 2013

Between 2002-2013, emerging market and developing economies averaged a 6.5% This economic growth has not only led to the development of a burgeoning middle-class in these markets, it has fueled an increase in the number of citizens actively engaging in philanthropy. growth in GDP.

Globalization 8

Globalization Venture Capitalist Class GDP 8

Harvard Business Review

JANUARY 31, 2011

In 1996, I switched jobs within Smith Barney from investment banking to equity research; within weeks Smith Barney bought Salomon Brothers. This experience came back to me in late 2010, listening to Steve Kaufman , a senior lecturer at HBS and the former CEO of Arrow Electronics, presenting at the Forum for Growth and Innovation.

Uncertainty 15

Uncertainty Maslow Disruptive Innovation Report 15

Harvard Business Review

NOVEMBER 29, 2017

innovation system. Consumer Products and Banking and Finance are two other major concentration industries. But given the disadvantage immigrants and ethnic minorities still face in the labor market, we expect ethnic and immigrant leaders to be high performers. jennifer maravillas for hbr. Where do they work?

Execution 8

Execution Training Education Short-term 8

Harvard Business Review

MAY 8, 2012

Right now, the market price of carbon is very low, so Microsoft is charging a small amount per ton. Over time, by my calculations, given the growth in cloud services the company is banking on, these carbon fees could rise to a more noticeable $50 million by 2020.

Price 13

Price P&L White Paper Energy 13

Harvard Business Review

OCTOBER 29, 2012

And even small improvements in practices can have a huge impact: Among manufacturers, for example, we found that a one-point gain on our five-point scale correlates with 23% higher productivity, 14% higher market capitalization, and a 1.4-percentage-point-higher and then devising metrics for monitoring progress over the short and long terms.

Management 8

Management Benchmarking Short-term Incentives 8

Harvard Business Review

FEBRUARY 14, 2013

The B Impact Assessments quantify the overall company impact on workers, communities and the environment in a score that ranges from zero to 200 based on more than 200 carefully-designed metrics. But there may be something deeper at play here: No one yet knows how to systematically produce social value by using markets and business acumen.

Entrepreneur 8

Entrepreneur Sample Follow-up Metrics 8

Harvard Business Review

MARCH 8, 2016

This has big implications for businesses, entrepreneurs, and innovators seeking growth beyond their home markets: there just isn’t a one-size-fits-all app or approach to building scale in the global digital economy.

Benchmarking 8

Benchmarking Policies Globalization Long-term 8

Miles Anthony Smith

NOVEMBER 7, 2019

65 Content Marketers List the 44 Content Marketing Agencies Crushing It (Plus 70 Tips & 78 Myths Dispelled) ​Digital marketing is becoming harder to ignore as we now live in a world of internet ubiquity. Click "READ MORE" to see the 44 content marketing agencies and 70 related tips from the experts!

Marketing 105

Marketing Content Audience Brand 105

Harvard Business Review

JULY 6, 2018

Advocates for rapid technology adoption often argue that humans are no better at explaining decisions than machines, and so we should table the question to accelerate innovation. If you search around the internet, you’ll find that most writing about algorithmic explainability falls into two camps.

Compliance 8

Compliance Document System Learning-by-Doing 8

Harvard Business Review

SEPTEMBER 16, 2014

Or you could try to take advantage of limitations in conventional financial metrics to get higher long-run returns by focusing on sustainability and social good. A lot of businesses have pursued social responsibility more out of their marketing departments or as some sort of charitable donation. So here’s the money management industry.

Insurance 8

Insurance Bond Hedge Bottom-up 8

Harvard Business Review

DECEMBER 19, 2012

Customer care is often an operations function, but given its impact on customer experience, brand advocacy, and sales, companies should consider developing new reporting structures and governance processes that bridge operations, marketing, and the business units. The metrics. The Social Solution to Innovation Challenges.

Balanced Scorecard 8

Balanced Scorecard McKinsey Media Metrics 8

Harvard Business Review

MARCH 8, 2018

Imagining the same ad for a healthcare provider in 2018, even an innovative provider, is a stretch. Like banks, airlines, and retailers, health care providers will need to offer an easy, digital front-end experience to their customers. One is provider licensing, a critical limiter of regional and national market share.

Health Care 8

Health Care Retail Strategy Licensing 8

Harvard Business Review

MARCH 26, 2015

Chief Marketing Officers (CMOs) and Chief Risk Officers (CROs) may seem to have little in common. That has coincided with marketing’s increased influence on strategy, driven by the unprecedented level of insights into customer behavior and trends that are now possible through analytics. Use risk data as an avenue for innovation.

Credit Scoring 8

Credit Scoring Risk Management Finance Marketing 8

Strategy Driven

SEPTEMBER 9, 2011

Many people do not typically think of metrics and accounting as roadblocks to innovation, yet you call these out as potential problem areas. Many conventional metrics we use to estimate value are based on faulty assumptions. I’m thinking of HDFC Bank in India, Yahoo! Net present value [NPV] is a case in point.

Innovation 50

Innovation NPV Business Model Constraint 50

Harvard Business Review

OCTOBER 14, 2013

Emerging market diaspora populations have been on the rise, thanks to the continued march of globalization, and today’s diaspora communities are better connected with their homelands than ever before. Emerging markets and their indigenous companies should see this as an opportunity to boost their competitiveness.

Marketing 8

Marketing Strategy Metrics Incentives 8